NORKA (Non-Resident Keralites Affairs) is an initiative launched by the Government of Kerala to address the needs and concerns of Keralites living abroad. The NORKA ID is an identification system that allows Non-Resident Keralites (NRKs) to access various benefits and services offered by the Kerala government, including Pravasi Insurance and Pravasi Pension. The main objective is to support expatriates and help them avail financial security and support for a more secure future.
What is Pravasi Insurance?
The Pravasi Insurance Scheme is a specially designed insurance plan for NRKs, ensuring financial protection during unforeseen circumstances such as accidents, illnesses, or even death. This scheme is crucial as it covers the risks that expatriates may face while working or living abroad, providing peace of mind to their families back home.
Key Benefits of Pravasi Insurance:
- Accident Coverage: A key feature of Pravasi Insurance is its comprehensive accident coverage, ensuring that NRKs and their families are financially protected in case of accidental death or permanent disability.
- Medical Reimbursement: The insurance scheme also offers reimbursement for medical treatments, ensuring that NRKs have access to quality healthcare even if they are outside India.
- Repatriation Expenses: If an NRK passes away abroad, the policy covers the expenses for repatriating the body back to Kerala.
- Education Assistance: In case of the unfortunate demise of the insured, the scheme provides educational support for their children.
- Low Premiums: One of the key advantages of the Pravasi Insurance Scheme is the affordable premium rates, making it accessible for all NRKs.
What is Pravasi Pension?
The Pravasi Pension scheme is another essential component designed for NRKs, aimed at providing them with financial security during their retirement years. Many Keralites who have worked abroad return home without sufficient savings or a steady source of income. The Pravasi Pension scheme allows these individuals to receive regular pension payments once they retire, offering financial stability in their old age.
Eligibility for Pravasi Pension:
- Age Criteria: NRKs must be between 18 and 55 years of age to be eligible for the Pravasi Pension scheme.
- Contribution Period: The individual must contribute to the scheme for at least five years to be eligible for pension benefits.
- Return to Kerala: Once the NRK returns to Kerala, they can start receiving their pension as per the scheme’s guidelines.
How to Apply for NORKA ID: A Step-by-Step Guide
To access the benefits of Pravasi Insurance and Pension schemes, NRKs must first register and obtain a NORKA ID. Here is a comprehensive guide to help you apply for the NORKA ID.
Step 1: Visit the NORKA Roots Official Website
Start by visiting the official NORKA Roots website. NORKA Roots is the official body that handles registrations and services for Non-Resident Keralites.
Step 2: Click on “Register”
Once you’re on the homepage, look for the “Register” button, typically displayed on the top menu or within a prominent section of the website. Click on it to proceed.
Step 3: Fill in the Required Information
You will be redirected to a registration form where you’ll need to provide the following details:
- Personal Information: Full name, date of birth, gender, and contact details.
- Passport Details: Information related to your passport, such as passport number, issue date, and expiry date.
- Occupation Information: Mention your current occupation, country of residence, and employer’s name (if applicable).
- Permanent Address: Your permanent address in Kerala, which will be used for future communications.
- Emergency Contact Details: Provide contact information of a close relative or friend in Kerala.
Step 4: Submit the Application
After filling in all the required fields, review the information to ensure its accuracy. Once verified, submit the form.
Step 5: Confirmation and NORKA ID
After successful submission, you will receive a confirmation email with your NORKA ID. This ID is essential for applying for Pravasi Insurance and Pension schemes.
How to Apply for Pravasi Insurance
Once you’ve received your NORKA ID, you can apply for Pravasi Insurance. Follow these steps to apply:
Step 1: Log in to the NORKA Roots Portal
Using your NORKA ID, log in to the NORKA Roots portal. Ensure you have your ID and password handy.
Step 2: Navigate to the Pravasi Insurance Section
On your dashboard, locate the “Pravasi Insurance” section. Click on it to proceed to the insurance application form.
Step 3: Fill Out the Insurance Application Form
Provide the following details:
- NORKA ID and Passport Information
- Personal Details: Full name, contact details, and permanent address.
- Beneficiary Details: Include details of the person who will receive the insurance benefit in the event of your death or accident.
- Medical History: Disclose any pre-existing medical conditions or relevant health information.
Step 4: Pay the Premium
Once the form is complete, you will be directed to the payment gateway to pay the premium. Ensure that the amount is paid in full to activate the insurance coverage.
Step 5: Confirmation of Insurance
After successful payment, you will receive a confirmation email along with the insurance policy document. Keep this for future reference.
How to Apply for Pravasi Pension
To apply for the Pravasi Pension, follow these steps:
Step 1: Log in to the NORKA Roots Portal
Using your NORKA ID, log in to the NORKA Roots portal.
Step 2: Access the Pravasi Pension Section
On the portal, click on the “Pravasi Pension” section and fill out the pension application form.
Step 3: Submit Proof of Employment
Provide documents that prove you’ve been working as an NRK, such as a job contract or salary slips.
Step 4: Make Your Contributions
You’ll need to make regular monthly contributions to the Pravasi Welfare Fund. This is mandatory for at least five years to be eligible for the pension.
Step 5: Start Receiving Pension
Once you’ve completed the contribution period, and upon returning to Kerala, you can start receiving your Pravasi Pension. The amount will be credited to your bank account monthly.
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